Re: Drunken Nordstrom Apping

Lmao I have done some off the wall stuff when i was in the sauce but I’ve never come out of a drunken Friday night with a new line of credit. This story just improved my Monday - no small feat. Congrats!

Re: Drunken Nordstrom Apping

First off, I want to say, I don't know what happened. I don't even shop at Nordstrom's. I prefer Macy's. I guess I'm gonna have to start now. Normally my reports are frozen so this wouldn't happen, but I had temporarily unlocked them for CLI attempts and prequals and forgot to put them back on ice. I was firmly in the garden with no plans to app for at least a year. And then...Friday night happened.

Sometime that night I applied and was approved for a Nordstrom's retail card. I had no idea what limit I was approved for and decided after a few more drinks to call in sometime after midnight. I don't know why I thought someone would answer, but I was pretty surprised when someone answered. Turns out they're open 24 hours. The lady wanted to verify my info. It took me giving her my birthday 3 times before I realized she wanted my name. She also threw me for a loop by asking for the last 6 of my SSN. I told her my last 4 and she asked for the last 6. I told her the last 4 and she asked for the last 6. Pretty sure I must have looked pretty confused because it was at that point my wife wanted to know who the hell I was calling at 1 in the morning. She told me the lady wanted the last 6 of my SSN to which I replied, "who TF asks for the last 6? Who TF knows their last 6?" Then it came to me and I gave her the last 6.

The lady put me on hold and came back congratulating me for being approved for a store card. "Yeah, I know, but what's the limit?" She told me $300 and a string of profanities were my response. I told her that wasn't gonna work because I wanted a $400 Gucci wallet. At this point my wife wanted to know **bleep** I wanted a $400 wallet for and I said, "so I can be Gucci af?" Told my wife to name-drop the Target card and my recent CLIs, cause they're both handled by TD Bank. Instead, wife thanked the lady and hung up. Needless to say, my wife cut me off, but it didn't stop me and my friends from trying to act out the nativity scene with a stuffed penguin in front of a house that still had Christmas lights and a gingerbread house still up.

The next day I called in, sober, to find out how I can recon the starting limit. I didn't want the card, but I figured, now that I have it, might as well try to make the best of it. The lady from the night before had already submitted a request and I was told that I should call in a couple of days if I don't receive a call from them.

Data points:

- Mid-600 score, don't know what it is as my balances updated throughout the weekend. Will need the letter to find out.

- utilization is around 40-50%

- DTI is around 17%

- $70k income

- like 14 inquiries on EX, which is who they pulled

- 5 collections accounts on EX, should be 3

EDIT: just got an alert from Experian, Nordstrom has already reported my new account.

EDIT: when I got the alert, it was showing no credit limit and reporting as of the 1st of April. Now it's all updated.

LOLOL i am laughing WITH you. i have done these kinds of things myself. I read this and nearly peed, then i laughed at that too LOL congrats? well i have one or two SD cards due to this. i however, have not gotten to the point of calling in like you did, TOO funny.

Re: Drunken Nordstrom Apping

I'm not sure if I should give you a congrats or a lecture on the evils of drinking.

Actually, I rarely drink, maybe once or twice a year. My father was an alcoholic and thankfully it didn't pass on to me. That being said, I'm quite the popular person when I drink as I'm a happy drunk and unpredictable. Some of my adventures include trying to lead a mutiny to take over a cruise ship( yes, I spoke like a pirate), trying to climb the sphinx at Luxor (I settled for climbing a statue), trying to take a police horse on a joyride, negotiating the release of a hostage(another drunk in the back of a police car), disappearing at a company holiday party which resulted in a search party; among others.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more about other FICO Score versions.

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.